CREDIT ACCEPTANCE CORP(CACC)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CREDIT ACCEPTANCE CORP (CACC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CACC at 68.6/100 on a 32-signal composite quality model, placing it at rank #313 of 2,961 stocks — the top 25% of the AI-ranked universe. CACC scores in the top quartile across free cash flow (95.8), institutional flow (88.3), earnings quality (83.5). Shareholder dilution risk is elevated at 38.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CREDIT ACCEPTANCE CORP reports quarterly revenue of $587.4M, net income of $135.9M, free cash flow of $307.9M. Top institutional holders of CACC by reported 13-F value include Prescott General Partners, BlackRock, Boston Partners, based on the most recent SEC filings. CACC trades on the Nasdaq exchange and files with the SEC under CIK 885550. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CACC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CREDIT ACCEPTANCE CORP directly from SEC EDGAR.
AI Quality Score
68.6/100
AI Rank
#313
Revenue
$587.4M
Net Income
$135.9M
Free Cash Flow
$307.9M
CACC key financials by period
CREDIT ACCEPTANCE CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.3B
$423.9M
24.4%
FY 2024
10-K
$2.2B
$247.9M
15.2%
FY 2023
10-K
$1.9B
$286.1M
19.3%
FY 2022
10-K
$1.8B
$535.8M
38.8%
FY 2021
10-K
$1.9B
$958.3M
67.9%
FY 2020
10-K
$1.7B
$421.0M
32.9%
Institutions holding CACC
Institutional investors reporting a position in CREDIT ACCEPTANCE CORP on SEC Form 13F.
Institution
Shares
Value
Reported
Prescott General Partners
1,436,951
$915.0M
2026-06-30
BlackRock
642,097
$408.8M
2026-06-30
Boston Partners
573,616
$365.1M
2026-06-30
GOBI CAPITAL
358,067
$228.0M
2026-06-30
BECK MACK & OLIVER
305,983
$194.8M
2026-06-30
WELLINGTON MANAGEMENT GROUP LLP
260,084
$165.6M
2026-06-30
DIMENSIONAL FUND ADVISORS
237,444
$151.2M
2026-06-30
VANGUARD PORTFOLIO MANAGEMENT
225,244
$143.4M
2026-06-30
Universal- Beteiligungs- und Servicegesellschaft mbH
AI-extracted from the 10-Q filed 2026-08-04 — Q2 2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income increased 40.3% YoY to $271.7M for H1 2026 as provision for credit losses fell 10.7% and interest expense declined 7.3%.
Biggest Revenue Drivers
Finance charges$1,084.6M+1.6% YoY
Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.
Premiums earned$47.8M+0.4% YoY
Vehicle service contract and GAP reinsurance premiums recognized over policy life.
Biggest Revenue Drivers
Total revenue: $1,167.4M+1.1% YoY
Finance charges$1,084.6M+1.6% YoY
Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.
Premiums earned$47.8M+0.4% YoY
Vehicle service contract and GAP reinsurance premiums recognized over policy life.
Other income$35.0M-12.3% YoY
Ancillary product profit sharing, interest income, and remarketing fees from vehicle sales.
Largest Expense Items
Provision for credit losses$298.8M-10.7% YoY
Smaller decline in Consumer Loan performance and timing adjustments; includes $136.0M forecast changes and $162.8M on new assignments.
Interest expense$215.8M-7.3% YoY
Lower average cost of debt (6.8% vs 7.2%) and reduced average outstanding debt balance.
Operating expenses$275.3M-5.4% YoY
Lower general and administrative costs and salaries, partially offset by higher sales and marketing investment.
Provision for claims$33.9M-5.6% YoY
Incurred-but-not-reported claims on reinsured vehicle service contracts.
Margins: Operating margin improved substantially with provision for credit losses declining 10.7% YoY, reflecting more stable Consumer Loan performance trends and timing adjustments. Interest expense also declined 7.3% due to lower debt costs and reduced leverage, supporting overall profitability expansion despite modest revenue growth.
Watch Items from the Filing
Forecasted net cash flows declined $48.2M (0.4%) in H1 2026 vs $76.7M (0.7%) in H1 2025; Consumer Loans assigned 2021–2024 show cumulative underperformance of 0.2–8.8% vs initial forecast.
Consumer Loan assignment volume declined 2.8% YoY to 180,607 units; dollar volume down 2.0% to $2.1B despite monthly unit volume returning to YoY growth in June and continuing into July.
Purchased Loans represent 34.8% of dollar volume as of June 30, 2026 (up from 27.6% at Dec 31, 2025), creating higher provision burden per assignment but less Dealer Holdback mitigation.
Settlement discussions ongoing for New York AG and multi-state regulatory matters; preliminary alignment reached on $75.5M cash payment; parties agreed on material settlement terms as of June 6, 2026.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
